The Future of Finance is at Your Fingertips - Explore the PayFi Revolution of Huma Finance Have you ever thought about opening the doors of credit in the DeFi world using your future income?
Welcome to Huma Finance (HUMA), the first true PayFi network that is using the magic of 'Payments + Finance' to unlock amazing possibilities for cross-border payments and lending.
Huma breaks the traditional financial dependence on collateral, adopting a model that uses income or accounts receivable as collateral, allowing freelancers, small businesses, and even digital creators to obtain instant liquidity based on future cash flow. This means: even if you don't have a large amount of crypto assets, you can quickly gain credit support.  
Its core mechanism is the Time Value of Money (TVM) model, which dynamically assesses loan amounts based on the present value of your future income, innovatively and fairly. Huma V1 has attracted several projects built upon it, while V2 takes a step further by introducing accounts receivable factoring and structured financial design, allowing institutional investors to participate as well. 
In May 2025, HUMA became the 70th project on Binance Launchpool, where users can lock BNB, FDUSD, and USDC to receive airdropped tokens. Subsequently, on May 26, it officially launched trading pairs, triggering a liquidity explosion.  
Recent data shows that as of now, the Huma platform has processed transactions totaling $3.8 billion, with a repayment rate of 97.9%, hiding real-world value capture behind it. 
In summary: Huma Finance is not just a crypto project, but a financial innovation revolution that allows real income to earn interest on-chain, truly empowering every real financial entity in DeFi. Your future income can forge today's credit for you.
